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BUSINESS INSURANCE

A Smarter Way to Manage Risk

If insurance feels like a guessing game, you’re not alone. The old model leaves businesses overpaying, underprotected, and always reacting. This is your path to take control, lowering your total cost of risk and driving measurable outcomes. To succeed in today’s environment, you need every advantage and a partner who puts your priorities first.

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WHAT OUR SOLUTIONS ARE BUILT TO DO FOR YOU

Insurance & Risk: Redefined

It’s not what got you into business, but it is what can keep you there. When risk is identified early and managed systematically, protection becomes precise and your business becomes harder to disrupt.

SYSTEMATIC RISK MANAGEMENT

RiskMAP: Informed Moves, Not Costly Assumptions

RiskMAP™ was born from a simple truth: a well-defined problem is half-solved. But that’s not the industry norm. Why? Because doing it right takes more than good intentions. It takes disciplined focus to turn scattered inputs into clear, actionable insight. RiskMAP identifies what’s truly at risk through a client-first process: powered by people, backed by technology, and executed with the kind of precision other firms can’t scale. 

 

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RISK MANAGEMENT ACTION PLAN

Identify Risk

Discovering what makes your organization unique is the most important step, and it’s never just a one-time conversation. RiskMAP begins with a systematic approach to identifying what you’re exposed to, beyond insurance, and adapts as your business evolves.

BEYOND THE BASICS

Complexity Into Clarity

Business risks don’t come in neat categories, and neither should your solutions. Our in-house capabilities support your broader strategy with specialized guidance, deep technical understanding, and the ability to execute across industries and borders.

INDUSTRIES WE SERVE

A Strategic Partner Across Sectors

Every business faces risk differently, even within the same industry. We work across a wide range of sectors, tailoring strategies to each organization’s unique challenges and goals.

RISK MITIGATION

Loss Control & Prevention

This is more than a safety program. It’s a fully integrated approach to risk mitigation and business performance. McClone’s in-house team of safety advisors, analysts, and legal counsel connect the dots between risk, operations, and outcomes, because risk isn’t just a cost issue. It affects your people, culture, reputation, and your ability to perform at your best.

Start a Conversation → See If We're a Fit →
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Safety & Workers' Comp

On-site guidance, tailored training, MOD verification, and return-to-work programs help reduce injuries, control claims, and build a safety culture that goes beyond compliance.

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Contract Review

In-house legal expertise reviews contracts to identify risk, clarify obligations, and ensure agreements align with your coverage and protect your interests.

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Claims Advocacy

Dedicated experts manage claims with precision, coordinate with carriers, support injured workers, and challenge delays or denials to protect your best interests.

LET'S NAIL OUR PARTNERSHIP

We’re Not for Everyone—And That’s a Good Thing

You deserve a partner aligned with how you work and define success, because that’s how long-term impact is made. Here’s how to know if we’re likely to work well together.

We’re Not a Good Fit for You if...

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Are only focused on getting the lowest quote, regardless of coverage or impact

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Prefer a hands-off relationship and don’t want visibility into how decisions get made

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Believe protecting your business and people begins and ends with insurance

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Aren’t interested in a more transparent, proactive, or strategic approach

We’re a Good Fit for You if...

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Want confidence that you have the right coverage and clarity on what else is worth considering

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Care about long-term cost and want to understand what’s actually driving it

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See risk as something that can be improved, not just transferred to a policy

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Expect your broker to create value, simplify the process, and challenge the status quo

WHAT IT'S LIKE TO WORK WITH US

Experience The McClone Model

If you're feeling skeptical, we get it. The old model hasn’t always delivered on its promises. That’s why we offer a no-pressure way to experience the McClone Model firsthand. We both invest time to explore alignment, because strong partnerships start with mutual clarity, not blind faith.

IN THEIR OWN WORDS

YOU MIGHT BE WONDERING

Business Insurance FAQs

Most of our conversations start with curiosity and questions like these. They’re the ones we hear most from clients who are ready for a better way to approach business insurance.

How do I know if I have the right coverage?

Why is my insurance cost going up even if nothing changed?

What limits or types of insurance do I actually need?

Can you really lower my total cost of risk?

How often should my coverage be reviewed or updated?

What makes your approach different from other brokers?

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